Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$165,143Cash toward the purchase price.
Closing costs + prepaids$8,913Not just lender fees.
Before credits & paid funds$174,056The complete starting cash picture.
Estimated remaining funds due at closing
$174,056No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,142.98
Your down payment$165,142.98
Closing costs + prepaids$8,912.92
Total buyer cash needed$174,055.90
Remaining funds due$174,055.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,499.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$179.75
Prepaid interest, first (1 days)$9.17
Fees + prepaids$8,912.92
Your down payment is the seller’s equity. You take over the $84,757 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $174,055.90 is due at closing. Uses and sources reconcile at $258,812.92 each. Not a Closing Disclosure.